What is the annual fee of the YES Private Prime Credit Card?

Rs 10,000 a year, before GST. It is waived if you spend Rs 20,00,000 in a year.

Does the YES Private Prime Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the YES Private Prime Credit Card?

0.5% of each foreign-currency transaction, before GST.

M16S / Yes Bank / YES Private Prime Credit Card

super-premium · rewards, travel

YES Private Prime Credit Card

Yes BankLast checked 11 Oct 2026invite-only fees only

The YES Private Prime Credit Card costs Rs 10,000 a year, waived if you spend Rs 20,00,000 in a year. The forex markup is 0.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 10,000+ GST
Fee waived at: Rs 20,00,000annual spend
Base return: —
Forex markup: 0.5%
Interest: 2.99%a month

Fees

Joining fee	Rs 20,000
Annual fee	Rs 10,000
Annual spend that waives the fee	Rs 20,00,000
Fee notes	Joining Rs 20,000; annual Rs 10,000 waived on Rs 20 lakh spend in 12 months.

Rewards

Reward currency	YES Rewardz points
Point value	Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Caps	Flights/hotels redemption capped at 70% of invoice and 6,00,000 points a month.
Points expiry	3 years from earning
Reward notes	Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the MITC itself only fixes the caps. Earn rates for Prime were not found in any readable source.

Transfers

Partners	Air India Maharaja Club
Ratio	8 points : 1 Maharaja Point; minimum balance 2,000 points

Travel and perks

Domestic loungeunverified	No spend threshold for domestic lounge (MITC); visit count not found
International loungeunverified	Not found
Lounge conditions	4 complimentary guest visits per calendar year (domestic and international combined).
Forex markup	0.5%

Charges and eligibility

Interest per month	2.99%
Late payment feeunverified	Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance feeunverified	2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility	Invitation only.
Fine-print notes	MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 1,00,000 (Private tier)); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. It is unclear whether the late-fee and cash-advance waivers given to YES Private also apply to Private Prime.

Questions

What is the annual fee of the YES Private Prime Credit Card?: Rs 10,000 a year, before GST. It is waived if you spend Rs 20,00,000 in a year.
Does the YES Private Prime Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the YES Private Prime Credit Card?: 0.5% of each foreign-currency transaction, before GST.